Are you considering a move to Portugal from the UK? Whether it’s the warm climate, relaxed lifestyle, or the allure of new opportunities that attracts you, this guide on “How to Move to Portugal from the UK” offers the essential steps and tips to make your dream a reality.
From understanding the effect of Brexit on your move to navigating visa options and setting up life in Portugal, we’ll provide the straightforward advice you need without overwhelming you with unnecessary details.
Key Takeaways
- 📜 Brexit has transformed moving to Portugal for UK citizens, demanding visas for long-term stays, but it opens the door to new opportunities like permanent residency and citizenship after five years.
- 🗝️ The Golden Visa offers UK citizens a chance to live in Portugal through investment, while the D7 Visa is ideal for those with passive income, both leading to possible permanent residency and citizenship in the long term.
- 🏥 Relocation details for UK expats include straightforward banking setup, accessible healthcare options, diverse property choices, and tax benefits under the new NHR 2.0 regime for eligible professionals.
Understanding the Impact of Brexit on UK Citizens Moving to Portugal
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Brexit has significantly changed the landscape for UK citizens, including British citizens, planning to move to Portugal. Previously, as EU nationals, Britons could freely relocate and live within the European Union.
However, post-Brexit, UK citizens are now considered non-EU citizens. But don’t let this deter you. In fact, this new status has opened up exciting opportunities, such as the ability to obtain a legal residency permit for stays longer than 90 days.
Yes, you read that right! It is still possible for UK citizens to acquire a permanent residence permit in Portugal. This can provide them with long-term security and stability in the country.
The process now includes applying for residency permits, but with the help of resources like the UK nationals support fund, after five years of legally living in Portugal, you can apply for permanent residence.
Moreover, UK citizens can become a Portuguese citizen through naturalisation after five years of legal residence on a permit. Even with changes from the previous rights under EU membership, this still provides a positive path to citizenship.
Visa Options for UK Citizens: Golden Visa vs. D7 Passive Income Visa
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As you navigate these new waters, you’ll encounter two main visa options that are your tickets to living in Portugal: the Golden Visa and the D7 Passive Income Visa. Each comes with its own set of requirements and benefits, paving different paths to your dream of moving to Portugal.
Despite the application process for these visas involving certain costs, like application fees and legal charges, it also offers a chance to manage your finances effectively.
It’s always a good idea to keep enough money in your bank account to cover all the costs associated with the application, ensuring a smooth and successful transition to your new life in Portugal.
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Golden Visa
Often referred to as the Golden Ticket to Portugal, the Portugal Golden Visa Program lets nationals of non-European countries, which includes UK nationals, live, work, and study in Portugal by making a qualifying investment in the country, thereby securing a residency visa.
The investment options for the Golden Visa are as diverse as they are exciting. They include:
- Portuguese investment funds
- National heritage
- Supporting an existing Portuguese business
- Real estate investments
The minimum investment required can be as low as €280,000 for real estate or €350,000 for supporting existing businesses.
The perks of the Golden Visa Program include:
- Residency in Portugal
- Eligibility for Portuguese permanent residency and citizenship after five years
- Freedom of movement within the Schengen Area
- Ability to live, work, and study in Portugal
D7 Passive Income Visa
Better known as the Retirement Visa, the D7 Passive Income Visa serves as an excellent choice for individuals with a stable income from passive sources like real estate, pensions, or investments.
To qualify for the Portuguese visa, an applicant must meet the following requirements:
- Have a stable passive income of at least €820 per month for the main applicant, with additional amounts required for each dependent.
- Begin the application process at the Portuguese Consulate in the UK, where you will be issued a temporary, four-month visa.
- Schedule an appointment with SEF in Portugal and provide proof of income and housing during the appointment for a temporary stay visa.
The D7 Visa doesn’t only cover the main applicant. Family members can also be included in the application. Once granted, the Portuguese residence permit is valid for one year and can be renewed for two more two-year periods.
After five years, applicants can seek permanent residence or citizenship through immigration and border services and enjoy benefits such as free movement within the EU and access to healthcare and education.
Opening a Portuguese Bank Account
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Establishing a bank account in Portugal is a pivotal step in your relocation. It offers a convenient way to manage your finances, make payments for property or rent, and avoid the transaction costs associated with using a foreign bank account.
To open a bank account, you will need a current valid passport, proof of address, and possibly additional documents requested by the Portuguese authorities. This address can be in Portugal if you’re opening a local account.
What’s more, you can conveniently open a Portuguese bank account online. All you need is a Portuguese Número de Identificação Fiscal (NIF) number, a valid address in Portugal, and a valid photo ID.
Taxation for UK Expats in Portugal
Switching gears to taxes, UK expats in Portugal are liable for taxation on their global income. The Portuguese tax system, now under the NHR 2.0 regime, offers a 20% flat tax rate for eligible professionals in sectors like science and technology.
However, the broad exemptions for foreign income, including pensions, that were previously available under the old NHR regime, have been discontinued. This change means that while the new regime still offers some tax benefits, it no longer provides the same level of tax efficiency for retirees and those with foreign income sources.
In addition, the Double Taxation Agreement between Portugal and the UK ensures that you’re not taxed twice on the same income in both countries, especially when considering Portugal from the UK. This provides significant relief for those receiving pensions or other forms of income originating in the UK.
Healthcare Access for UK Citizens in Portugal
Another important aspect to consider while relocating to a new country is healthcare. UK citizens with legal residency in Portugal can access the state-funded healthcare system (SNS) by registering and obtaining a Healthcare User Number.
UK pensioners in Portugal can register for healthcare using the S1 form. Similarly, posted workers from the UK can complete their registration using a UK-issued S1 form and may also continue using their European Health Insurance Card (EHIC) until its expiry.
While the Portuguese National Health Service (SNS) covers most healthcare services, co-payments known as ‘taxas moderadoras’ are required for some services, and prescriptions may incur additional costs, which are applicable to foreign residents as well.
These fees are relatively low and provide an affordable option for healthcare in Portugal, but some individuals may still opt for private health insurance.
Finding Accommodation: Renting or Buying Property in Portugal
With your visa, banking, taxes, and healthcare organised, the subsequent step involves finding your new home. Portugal offers a variety of affordable property options, whether you prefer to rent or buy.
Foreigners, including UK citizens, can buy real estate in Portugal without any restrictions. What’s more, local banks may even offer loans for up to 80% of the property value.
If you prefer to rent, you’ll find a variety of options to suit different budgets and lifestyle preferences. Whether you fancy a city apartment, a beachfront villa, or a country cottage, Portugal has something for everyone.
Cost of Living Comparison: UK vs. Portugal
When moving to Portugal from the UK, one of the most appealing factors is the potential for a lower cost of living. Here’s how the two countries compare:
- 🏡 Housing: Renting in Portugal can be up to 35% cheaper, and buying property might be as much as 70% less per square meter compared to the UK.
- 🛒 Groceries and Dining: Basic groceries and dining out are generally more affordable in Portugal, with prices typically 10-20% lower.
- 🚆 Transportation: Public transport and fuel costs are cheaper, and many find maintaining a car in Portugal more economical than in the UK.
- 💡 Utilities: Electricity, water, and internet costs are comparable, though heating bills may be lower in Portugal due to the milder climate.
Moving Your Belongings from the UK to Portugal
Planning becomes crucial while shifting your belongings from the UK to Portugal. Consulting a relocation company can make the process smoother and more efficient. These companies have expertise and experience in international moves, ensuring your belongings reach your new home safely and securely.
One crucial document you’ll need is the baggage certificate. This document enables the duty-free import of your personal belongings to Portugal, saving you from paying import taxes on your personal items.
Obtaining the baggage certificate is straightforward. You just need to request it in advance of your move, ensuring that it states that the items being moved are used and have been in your possession for over six months.
Education and International Schools in Portugal
If you are relocating to Portugal with your family, education naturally becomes a priority. Portugal boasts a selection of excellent international schools that offer British and international curricula, providing a multicultural education experience for your children.
There are international schools specifically catering to British expats, including:
- British School of Lisbon
- IPS Cascais
- Nobel International School Algarve
- Oporto British School in Porto
- St. Julian’s School
Admission to these schools usually requires the completed enrollment form, a passport copy and/or birth certificate of the child, and a passport copy of the child’s parent or legal guardian. With these requirements met, your child can enjoy a high-quality education in Portugal.
Adapting to Life in Portugal: Language, Culture, and Lifestyle
Relocating to a new country entails not only logistical aspects but also acclimatising to a new culture and lifestyle. Despite English being widely spoken in Portugal, understanding Portuguese is essential for formal matters and for integrating into the local community.
With dedication, an English speaker can learn Portuguese in around 24 weeks or 575–600 hours. While it may seem daunting, knowing the language will enrich your living experience in Portugal.
Portuguese culture is fascinating and offers a sense of community, tradition, and warmth that might differ from the UK’s more informal and open culture. Embracing these cultural nuances will enhance your experience and make you feel at home in your new surroundings.
Family Reunification for UK Citizens in Portugal
If you intend to move your whole family to Portugal, it’s notable that UK citizens can incorporate dependent family members into their visa applications. The process of family reunification involves:
- Presenting a family reunification visa application in person in your country of residence
- The visa is valid for two years for successful applicants
- Typically takes around 60 days to process
The required documents for a family reunification visa application include the Portugal visa application form, a passport with a validity of at least 6 months, and identity documents of the foreign family member.
Once granted, family members are eligible for residency and can enjoy the same benefits as the main applicant.
Driving in Portugal: Converting Your UK Driving License
If you plan to drive in Portugal, you must convert your UK driving license to a Portuguese one within 90 days of establishing residency. The process is simple: fill out an online form, submit the required documents, and pay a fee of around €30.
You’ll need your valid UK driving license, proof of identity, and Portuguese residence. Importantly, no driving test is required for the conversion.
Beyond the license conversion, understanding Portuguese roads is key. Toll roads require registration for electronic payments, and familiarizing yourself with local driving habits is recommended.
Required Documents for License Conversion
This table outlines the documents you need to convert your UK driving license to a Portuguese one.
Ensure all documents are ready to simplify the process and hit the road smoothly.
Employment Opportunities for UK Citizens in Portugal
If your relocation to Portugal is work-oriented, a spectrum of opportunities in diverse sectors awaits you. The job market in Portugal offers opportunities in:
- 🌍 Tourism
- 🏨 Hospitality
- 📱 Electronics
- 🚗 Transportation
- 💻 IT
- 🩺 Healthcare
The tech industry in Portugal is particularly booming, offering competitive salaries. A mid-level blockchain engineer, for instance, can earn between €60,000 and €80,000 per year, while entry-level web developers start at €20,000 to €30,000.
For those looking to teach English in Portugal, having a bachelor’s degree, a TEFL/TESOL certification, and prior teaching experience can increase your eligibility.
Being a native English speaker is advantageous, but highly proficient non-native speakers can also meet the requirements.
Summary
In conclusion, moving to Portugal from the UK involves several key steps, from understanding the impact of Brexit on your move to sorting out visas, banking, taxes, and healthcare.
Whether you plan to rent or buy a home, bring your family, or convert your UK driving license, Portugal offers excellent opportunities for UK citizens seeking a fresh start. Embrace the vibrant culture, the warm climate, and the rich culinary heritage, and start your Portuguese journey today!
Frequently Asked Questions
Can a UK citizen move to Portugal?
Yes, UK citizens can move to Portugal, but they may need to apply for a visa and adhere to specific residency requirements. The process might take longer and involve additional steps due to Brexit.
How much money do I need to immigrate to Portugal?
You will need to budget around $2,500 to $3,000 per month for a couple immigrating to Portugal, with a higher cost of living in the city center. This amount will cover your living expenses.
Can I claim UK benefits if I move to Portugal?
Yes, you may be entitled to some UK benefits if you move to Portugal, such as state healthcare coverage and certain exportable benefits, like an exportable UK pension or contribution-based Employment Support Allowance. To explore your options, you can apply for a S1 form through the Department for Work and Pensions' International Pensions Centre.
What is the easiest way to immigrate to Portugal?
The easiest way to immigrate to Portugal is through the Golden Visa Program, which offers a residence permit in exchange for substantial financial investments. Other options include securing a job, studying, or having family ties in Portugal.
What are the main visa options for UK citizens moving to Portugal?
The main visa options for UK citizens moving to Portugal are the Golden Visa and the D7 Passive Income Visa. Both visas offer different benefits and requirements.
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